Disclosures, privacy and terms

Last updated [date]. Final wording to be approved by counsel.

Not a lender

Zero With Hannah is a brand of Louise Consulting LLC, a business funding and credit optimization consultancy. We do not lend money, issue credit cards or make credit decisions. All approvals, limits, rates and terms are set by the bank or card issuer.

No guarantee of results

Funding of up to $100,000 depends on each client's credit profile and existing banking relationships. We do not guarantee any approval, funding amount, credit limit, interest rate or credit score change. Past client results do not predict your results.

Your credit rights

You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the credit bureaus directly. [Consumer credit file rights statement and any state required notices, as provided by counsel.]

0% intro APR terms

Introductory 0% APR offers are set by issuers, last for a limited period, and may carry balance transfer or annual fees. The standard APR applies to any balance remaining after the intro period ends. Examples on this site are illustrations only.

Calls, texts and email

By opting in on our intake form, you agree to receive calls, texts and emails about your inquiry. Message frequency varies. Msg and data rates may apply. Reply STOP to opt out at any time or HELP for help. Consent is not a condition of purchase.

Privacy policy

We never ask for your Social Security number on our public form. Form data is encrypted and visible only to the owner. Credit reports are pulled only after you sign a service agreement and give written authorization, and are never shared in messages unless you ask. You may request a copy or deletion of your data at any time by contacting [privacy email]. [Full privacy policy from counsel.]

Terms of service

[Website terms of service from counsel.]

Louise Consulting LLC, [business address]. [Phone] ยท [Email]